| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A LEVY3 Filed as: ROBERT LEVY | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $28K | — | $28K | 6.16% |
| MARIAN E HENDERSON3 Filed as: MARIAN HENDERSON | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $4K | $230 | $4K | 9.54% |
| KELSEY EVERT3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $1K | $66 | $1K | 3.39% |
| THOMAS WILLIAMSON3 | 88 ABBEY ROAD LEBANON, TN 37090 | AFLAC | $1K | $66 | $1K | 2.92% |
| DAVID BOWEN3 | 1029 ELMSHADE LANE NASHVILLE, TN 37211 | AFLAC | $1K | $99 | $1K | 2.79% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $252 | — | $252 | 0.59% |
| DOC N REESE3 Filed as: DOC REESE | 830 CASTLE HEIGHTS AVENUE LEBANON, TN 37087 | AFLAC | $107 | — | $107 | 0.25% |
| TRACEY H BOURDON3 Filed as: TRACEY BOURDON | 4866 MANDOLIN COURT WINTER HAVEN, FL 33884 | AFLAC | $57 | — | $57 | 0.13% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $55 | — | $55 | 0.13% |
| JENNY LYNN LASATER3 Filed as: JENNY LASATER | PO BOX 2413 LEBANON, TN 37088 | AFLAC | $52 | — | $52 | 0.12% |
| JAMES C FARMER JR3 Filed as: JAMES FARMER JR | 641 OLD HICKORY BOULEVARD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $47 | — | $47 | 0.11% |
| MILTON E WUERTZ3 Filed as: MILTON WUERTZ | 1017 BELMONT DRIVE DICKSON, TN 37055 | AFLAC | $42 | — | $42 | 0.10% |
| SEAN SMITH MANAGEMENT LLC3 | 319 NORTH MAIN AVENUE SUITE 130 SPRINGFIELD, MO 65806 | AFLAC | $41 | — | $41 | 0.10% |
| JOSHUA JONES3 | 18032 DEERCLIFF COURT GLENCOE, MO 63038 | AFLAC | $38 | — | $38 | 0.09% |
| LUKE COPELAND3 | 519 WELLS ROAD MERIDIANVILLE, AL 35759 | AFLAC | $36 | — | $36 | 0.08% |
| RONALD A DASHKOVITZ3 Filed as: RONALD DASHKOVITZ | 20 MILLPOND TRAIL SAGINAW, MI 48603 | AFLAC | $35 | — | $35 | 0.08% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 153 BLANDING BOULEVARD SUITE 3 ORANCE PARK, FL 32073 | AFLAC | $30 | — | $30 | 0.07% |
| EVERETT C BICKEL3 Filed as: EVERETT BICKEL | 14970 CENTER HILL DAM ROAD SILVER POINT, TN 38582 | AFLAC | $30 | — | $30 | 0.07% |
| KENDALL REGEN3 | PO BOX 125 DICKSON, TN 37056 | AFLAC | $20 | — | $20 | 0.05% |
| JAY OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $20 | — | $20 | 0.05% |
| BRENT GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 FRANKLIN, TN 37215 | AFLAC | $19 | — | $19 | 0.04% |
| GARY W LOVELL3 Filed as: GARY LOVELL | PO BOX 682146 FRANKLIN, TN 67068 | AFLAC | $17 | — | $17 | 0.04% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $17 | — | $17 | 0.04% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $17 | — | $17 | 0.04% |
| DEDE HARDIMAN3 | 9300 HIDDEN OAK DRIVE BRENTWOOD, TN 37027 | AFLAC | $14 | — | $14 | 0.03% |
| THE C & S GROUP INC3 Filed as: THE C&S GROUP INC | 2301 BURLINGTON STREET SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $11 | — | $11 | 0.03% |
| TIMOTHY ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $9 | — | $9 | 0.02% |
| HUGH THARPE6 | 2005 VIA FRANCESCO COURT SPRING HILL, TN 37174 | AFLAC | $9 | — | $9 | 0.02% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $8 | — | $8 | 0.02% |
| MEREDITH D MCGAW3 Filed as: MEREDITH MCGAW | 1975 19TH STREET APT 3034 DENVER, CO 80202 | AFLAC | $8 | — | $8 | 0.02% |
| JAMES D STEPHENS3 Filed as: JAMES STEPHENS | 26710 MANDRAKE FALLS COURT KATY, TX 77494 | AFLAC | $8 | — | $8 | 0.02% |
| KADI HECKLER3 | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $7 | — | $7 | 0.02% |
| GARY I HOLT3 Filed as: GARY HOLT | 7040 HIGHWAY 231 NORTH BETHPAGE, TN 37022 | AFLAC | $6 | — | $6 | 0.01% |
| JOSEPH LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $6 | — | $6 | 0.01% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $6 | — | $6 | 0.01% |
| SUSAN BRIMHALL3 | 3921 CAPE SAN BLAS ROAD PORT SAINT JOE, FL 32456 | AFLAC | $4 | — | $4 | 0.01% |
| JEFF HOUCK3 | 2245 OLD WOODBURY HIGHWAY MANCHESTER, TN 37355 | AFLAC | $2 | — | $2 | 0.00% |
| JANIE FOX3 | 5303 HARMONY MILLS WEST COHOES, NY 12047 | AFLAC | $1 | — | $1 | 0.00% |
| MARY REBECCA WEATHERLY3 Filed as: MARY WEATHERLY | 1934 LEEWYNN DRIVE SARASOTA, FL 34240 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY GLENN YARISH3 Filed as: JEFFREY YARISH | 16122 ARMISTEAD LANE ODESSA, FL 33556 | AFLAC | $1 | — | $1 | 0.00% |
| CARLA WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $0 | — | $0 | 0.00% |
| AUTUMN BETHEA3 | 1053 MUNA COURT SPRING HILL, TN 37174 | AFLAC | $0 | — | $0 | 0.00% |
| DONALD B BOWEN3 Filed as: DONALD BOWEN | 6513 BANBURY CROSSINGS BRENTWOOD, TN 37027 | AFLAC | $0 | — | $0 | 0.00% |
| CHRISTOPHER SIMMONS VMI ACQUISITION3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | USABLE LIFE | $809 | — | $809 | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $578 | $108 | $686 | 12.72% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 105 | $452K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 105 | $452K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 105 | $452K |
| Life insurance | USABLE LIFE | 131 | $5K |
| Short-term disability | AFLAC | 84 | $42K |
| Other(2 contracts, 2 carriers) | AFLAC | 131 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.